Driving requires the right insurance and protection, especially if you enjoy long road trips or if you’re a commuter who drives a significant distance each day in or near Wayzata, MN. Understanding the difference between standard auto liability insurance and comprehensive or classic car insurance is crucial before getting behind the wheel. At Pizano Insurance, we work with clients to determine optimal coverage routes for specific demands and lifestyle needs.

What is Standard Liability Insurance?

Standard liability insurance is the minimum coverage required in Minnesota. It covers bodily injury and property damage that you may cause to others when you’re in a collision. However, liability coverage does not protect your own vehicle and belongings. 

Comprehensive and Collision Insurance

Comprehensive and collision insurance are essential add-ons for peace of mind. Comprehensive and collision coverage helps to provide protection during unexpected events. They help cover:

• Weather-related damage
• Fire
• Falling objects and/or animal strikes
• Collision repairs after an accident (regardless of fault)
• Theft or vandalism

Classic Car Insurance

If you have a classic or collectible vehicle, you may want to consider classic car insurance. Classic car insurance provides specialized protection and higher payouts for vehicles that gain value as they age. You’ll receive agreed value coverage with lower premiums for limited-use vehicles you own and operate. 

Knowing the difference between standard auto liability insurance, comprehensive insurance, and classic car insurance is key anytime you’re a collector of vehicles or when you drive excessively recreationally or even for work. The more familiar you are with the different types of insurance that are available to you, the easier it will be to find insurance that works for you. For more information regarding your existing car insurance policies in or near Wayzata, MN, contact us here at Pizano Insurance today.